Job Description

Prodigy Finance - Who We Are:
Prodigy Finance is a platform that delivers socially responsible financial services, making it possible for students from more than 150 countries to fulfil their dream of studying at the worldxe2x80x99s top universities and schools by financing their international postgraduate studies whilst delivering competitive financial and social returns to alumni, institutional and private investors.
This borderless and innovative model enables education loan financing to students from across the globe whilst using predicted post-degree affordability rather than present-day salary. Since 2007, Prodigy Finance has extended over US$1.7 billion through the platform to fund over 29,000 students.
We are funded by some of the best pre-eminent institutions in the world, including Index Ventures, Balderton Capital, RMIH, Credit Suisse, Deutsche Bank and more recently, DFC and CPP.
Why this is an amazing opportunity:
This role is perfect for an experienced, confident and results-driven individual who thrives in a complex environment and who wants to supercharge their career by experiencing first-hand what it is like to be part of an energetic, fast-growing company.
We are a non-hierarchical, non-corporate team; this means that you are going to get exposure to all aspects of our business immediately. Youxe2x80x99ll gain as much accountability as you can handle and have an influence on building the company.
The sense of impact and reward will be huge. You will help to build a platform that helps to make a very real difference in the world. The platform is complex - it has to be, because we make it possible for students from more than 150 countries to obtain the finance to fulfil their dream of studying at the worldxe2x80x99s top universities and schools. Be a part of delivering socially responsible financial services to the masses.
Our team is very international and very sociable; you will interact with everyone in the business around the world on a regular basis. Being an organisation thatxe2x80x99s passionate about education, we place a high value on learning and personal growth, so youxe2x80x99ll have time to learn new skills in work time and at the companyxe2x80x99s expense.
Why join Prodigy Finance:

• Be a part of a pioneering global growth company.
• Experience the excitement and learn from being part of an incredibly fast-growing young company.
• Be pivotal in scaling the business by identifying smart solutions and partnering with tech at the heart of it.
• Enjoy the agility and flexibility offered by a startup culture. A sociable, relaxed and friendly work environment.
• We will help you make your mark. Make a real impact on the business and experience a steep learning curve with huge opportunities to grow and develop.
• Gain an inside perspective on the functioning of a venture-backed Fintech startup, backed by top VCs, learn day-to-day management and build functional expertise.
• Build a platform that helps to make a very real difference in the world

What you will do in the role:
Prodigy is a student loan lender offering postgraduate student loans, enabling students all over the world to study abroad. Your role is to evaluate the quality of the applicant and maintain and design models and strategies that predict the probability of default and affordability of these students. You will work closely with much of the originations business unit on product innovations that may have a bearing on the quality of the student loans originated. You will manage a team of high-performance credit analysts and be responsible for their coaching and development.
Roles & Responsibilities:

• Your primary responsibility is the design and implementation of a credit origination strategy which meets the business objectives.
• You will manage a team of analysts and provide ongoing coaching and mentorship to support their growth.
• You will also manage the credit underwriters and be responsible for decisions on escalated credit cases and other operational tasks.
• You will be the owner of the Loan Originations Policy and Credit Risk SOP.
• You will work closely with the Predictive Analytics (Data Science) team in the design of Credit Models that predict the Probability of Default, the future earnings potential of our customers and the risk of the schools that we support.
• You will work closely with the product managers who work on the design of our financial product, the verification of our customer information and the disbursement of our loans.
• You will work closely with the legal and compliance team to make sure that our underwriting strategy is compliant with Prodigyxe2x80x99s regulatory model.
• From time to time, you will present our credit underwriting strategy externally to debt or equity investors.

Qualifications and Experience:

• A truth seeker who is curious, highly motivated and ambitious
• 4-6 years of relevant experience in consumer credit originations. Experience managing scorecards,
• Proven experience managing analysts will be a plus.
• Proven ability to apply credit and risk principles toward business goals
• Demonstrated ability to synthesise, prioritise and drive results with urgency
• Proven organisational, interpersonal and analytical skills